Why it's Important to Pre-Qualify

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Even if you've not researched homes to view yet, it is advantageous to contact your mortgage professional first. Why? What can we do for you if you have not made your offer, and do not yet know the amount you want to borrow?

Pre-Qualify

We can help you see how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through the pre-qualification process. The process takes you through your current financial situation - your debt, income, job, and cash available for down payment, among other things. It is a short, thorough process with minimal risks for papercuts.

We will give you a Pre-Qualification Letter when you qualify, which states that we're confident you will qualify for up to a specific amount of mortgage loan dollars.

Power in the Pre-Qual

With your pre-qualification letter, several advantages are yours when you find the house you want to make an offer on. First, it helps you know how much you're able to offer. More important to the home seller, your being pre-qualified is like your having entered their house with a suitcase full of money to make the deal! They will not need to be concerned that they are wasting their time if you will not be able to qualify for a high enough mortgage loan. The seller of the home won't be concerned that he won't be able to trust you to qualify for your loan.Your qualifying for your needed mortgage loan amount won't be something for them to fret over. You have the sway of a buyer ready to make the purchase on the spot!

We will help you with your pre-qualification

We can help you see how much of a mortgage loan you can afford, and how much money you can borrow, by walking you through pre-qualifying. We will do this by reviewing your debts and income, your employment and housing situations, your funds available for a down payment, required reserves, and other considerations. It's short and to the point; and we keep the paperwork light.

One on one

You can always use the calculators on our website to calculate how much mortgage you can afford - but it's also essential to talk with one of our mortgage professionals. That way, we will help you get your pre-qualification letter. For another thing, we might locate a different mortgage choice that fits your situation better. Contact us at 512-326-2186 to get started.

Have questions about pre-qualifying? Call us at 512-326-2186. Paul M. Johnson - Mortgage Banker answers pre-qualifying questions every day.